How is PayTo different from direct debit?

  • PayTo is a modern, digital alternative to the current direct debit system. It’s faster, more flexible and gives you greater visibility and control over authorised payments coming out of your bank account.
     

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What happens to my existing direct debit payments?

  • An existing direct debit payment will remain in place unless the payee informs you that it will be replaced with a PayTo agreement. We'll notify you if this occurs.
     

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How do I set up a PayTo agreement?

  • A PayTo agreement can only be set up by the payee once you’ve given them your banking details. They’ll send you the agreement to review and authorise in NetBank, the CommBank app, or CommBiz. 
     

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Which accounts are eligible for PayTo?

    • AwardSaver Account
    • Streamline Basic
    • Commonwealth Direct Investment Account
    • Cash Management Call Account
    • Cheque Account Bearing Interest
    • Cheque Account Not Bearing Interest
    • Overdraft Cheque Account
    • Private Bank Account
    • Pensioner Security Account
    • Society Cheque Account
    • Cash Investment Account
    • Smart Access
    • Complete Access
    • Business Transaction Account
    • Department of Finance Account
    • Cheque Acc Bearing Int Corp
    • Cheque Ac Not Bearing Int Corp
    • Statutory Deposit BTA
    • BBSW - 30 Day Rate Account
    • Solicitors Statutory Trust Account (NSW)
    • Real Estate & Licensed Agents Statutory Trust Account (NSW)
    • Solicitors Statutory Deposit Account
    • Solicitors Statutory Trust Account (ACT)
    • Solicitors Statutory Trust Account (VIC)
    • Solicitors Statutory Trust Account (QLD)
    • Solicitors Statutory Trust Account (SA)
    • Solicitors Statutory Trust Account (NT)
    • Solicitors Statutory Trust Account (WA)
    • Solicitors Statutory Trust Account (TAS)
    • Real Estate & Licensed Agents Statutory Trust Account (ACT)
    • Real Estate Agent Statutory Trust Account (VIC)
    • Conveyancer Statutory Trust Account (VIC)
    • Real Estate & Licensed Agents Statutory Trust Account (QLD)
    • Land Agent Statutory Trust Account (SA)
    • Real Estate & Licensed Agents Statutory Trust Account (NT)
    • REBA Statutory Trust Account (WA)
    • REBA Tenancy Bond Statutory Trust Account (WA)
    • Settlement Agent Statutory Trust Account (WA)
    • Tenancy Bond Statutory Trust Account (WA)
    • Property Agent Statutory Trust Account (TAS)
    • Equity Unlock Loan for Seniors
    • Viridian Line of Credit
    • Everyday Offset

Where can I find my PayTo agreements?

  • You can find your PayTo agreements in:

    • NetBank - under Transfers & BPAY
    • CommBank app - go to Accounts, then See upcoming bills and payments
    • CommBiz – under Payments
       

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Where can I find my upcoming PayTo payments?

  • Locate your PayTo agreements and refer to the payment frequency for these agreements to determine your next payment date.

    PayTo payments are initiated by the payee and we're currently unable to specify when they're due.

     

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What happens if I decline a PayTo agreement?

  • The PayTo agreement is cancelled and the payee is unable to receive payments from your account.

    If you change your mind and wish to pay using a PayTo agreement, you’ll need to ask the payee to send you another authorisation request.
     

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How can I make changes to my PayTo agreement?

  • Once you’ve authorised your agreement, you can only change the Linked Account/PayID.

    You’ll need to contact the payee for any other changes to your agreement. They’ll send an update request for you to authorise or decline in NetBank, the CommBank app, or CommBiz.

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What happens if I decline an update to my PayTo agreement?

  • Your existing agreement will remain in place and your account will be debited according to the existing payment terms.
     

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What happens if I pause a PayTo agreement?

  • We will act on your instruction and not allow any payments to be processed for the PayTo agreement. Note that pausing a PayTo agreement doesn’t pause your contract or subscription. The payee will be unable to receive funds from your account and may charge fees if you miss any payments while PayTo agreement is paused. 
     

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What happens if I cancel a PayTo agreement?

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    We will act on your instruction, however you should always check with the payee before cancelling the PayTo agreement. Note that this does not cancel the contract or service you have in agreed to with the payee, and they may charge fees for missed payments. 

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How do I dispute a PayTo transaction?

  • You should contact the payee in the first instance to resolve, otherwise you can contact us to raise a claim.
     

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What notifications will I get?

  • You'll get notifications about your PayTo agreements by email, NetBank Inbox and the CommBank app, and CommBiz Inbox.
     

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Who is the payee?

  • The payee is the party requesting and receiving the payment as opposed to you, the customer, making the payment. They may also be referred to as Payment Initiator/Merchant. You should contact the payee if you have any questions relating to contract or service you have agreed to with them (Inc. fees) 

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What does "on behalf of" mean?

  • Some organisations may use another company to manage payments on their behalf.
     

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